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Heartland Area FCU
6111 N. 72nd Street
Omaha, NE 68134-2157
Toll Free 1-866-314-2328
Phone (402) 571-8444
Fax (402) 571-0462

Home Equity Line of Credit
Use the equity you've built in your home to finance almost anything. A HELOC allows you to have access to a predetermined amount of funds, to use however you please.

Intro rate is for 3 months. The variable rate index used will be the Wall Street Journal Prime Rate. The index value will be determined 10 days prior to the interest rate adjustment. The rate could change semi-annually on January 1 and July 1. The minimum interest rate is 7.00% APR* and the maximum interest rate is 18.00% APR* or maximum allowed by law.

*APR - Annual Percentage Rate

HELOC Benefits

• Variable rate of interest
• Borrow up to 85% of assessed value or 80% of appraised value between any first lien mortgage and home equity line of credit limit
• HELOC established for 180 month period. Minimum payment required of $100.00
• Draw period for the five years. The initial advance must be at least $5,000.00 with a subsequent advance minimum $500.00. Advances are limited to one per quarter and will be disbursed by the credit union.
• This loan requires a copy of the tax assessed value, fees for loan processing, flood hazard determination, title search, and (if required), an appraisal.
• Maximum loan amount of $50,000. No minimum loan balance is required.
• Interest may be tax deductible (Consult with your tax advisor.)
• No points, maintenance fees or prepayment penalties
• Extra benefit of Joint Life Loan Protection insurance on loans for borrowers and co-borrowers up to $20,000 coverage per loan at no direct charge to the member.

Home Equity Loan applications cannot be taken electronically. You must complete an application from the credit union office.

NOTE: HAFCU finances single-family owner occupied units only. The property must be within a 100 mile radius of the Credit Union.

Home Equity Early Disclosures

Your savings Federally insured to at least $250,000
and backed by the full faith and credit of the United States Government.
National Credit Union Administration,
a U.S. Government Agency.

We do business in accordance with the
Federal Fair Housing Law and the
Equal Credit Opportunity Act.